{"id":247166,"date":"2026-08-01T11:22:33","date_gmt":"2026-08-01T11:22:33","guid":{"rendered":"https:\/\/www.europesays.com\/ro\/247166\/"},"modified":"2026-08-01T11:22:33","modified_gmt":"2026-08-01T11:22:33","slug":"asigurare-de-vacanta-sau-taxa-pe-panica-in-ciuda-veniturilor-mai-mici-romanii-isi-cumpara-tot-mai-multe-asigurari-in-concedii","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/ro\/247166\/","title":{"rendered":"\u201eAsigurare de vacan\u021b\u0103\u201d sau \u201etax\u0103 pe panic\u0103\u201d? \u00cen ciuda veniturilor mai mici, rom\u00e2nii \u00ee\u0219i cump\u0103r\u0103 tot mai multe asigur\u0103ri \u00een concedii"},"content":{"rendered":"

Rom\u00e2nii cump\u0103r\u0103 tot mai multe asigur\u0103ri de c\u0103l\u0103torie, de\u0219i le scad veniturile. Suma total\u0103 asigurat\u0103 a crescut cu 13% \u00een 2025, dep\u0103\u0219ind 85 miliarde de lei. Brokerul Marius Constantinescu avertizeaz\u0103 pentru \u201eAdev\u0103rul\u201d c\u0103 cea mai mare gre\u0219eal\u0103 este alegerea dup\u0103 pre\u021b, nu dup\u0103 necesit\u0103\u021bi. Infla\u021bia \u0219i costurile medicale externe \u00eei determin\u0103 pe turi\u0219ti s\u0103 caute protec\u021bie, iar Cardul European de S\u0103n\u0103tate nu \u00eenlocuie\u0219te o poli\u021b\u0103 complet\u0103, potrivit brokerului. Cele mai costisitoare incidente au loc \u00een SUA, Grecia, Austria, Egipt \u0219i Turcia.\u00a0<\/p>\n

\"pasageri <\/p>\n

Rom\u00e2nii \u00ee\u0219i cump\u0103r\u0103 tot mai multe asigur\u0103ri de c\u0103l\u0103torie. FOTO: Pixabay<\/p>\n

publicitate”); background-position: center center; background-repeat: no-repeat;”><\/p>\n

Potrivit unei analize realizate \u00een r\u00e2ndul membrilor Uniunii Na\u021bionale a Societ\u0103\u021bilor de Asigurare din Rom\u00e2nia (UNSAR), valoarea total\u0103 a sumelor asigurate pentru c\u0103l\u0103toriile rom\u00e2nilor a dep\u0103\u0219it anul trecut pragul de 85 de miliarde de lei, \u00eenregistr\u00e2nd o cre\u0219tere de 13% fa\u021b\u0103 de nivelul din 2024. Aceast\u0103 evolu\u021bie indic\u0103 o preocupare sporit\u0103 a cet\u0103\u021benilor pentru protec\u021bia financiar\u0103 \u00een timpul deplas\u0103rilor, \u00een special \u00een sezonul estival, \u00een contextul \u00een care tot mai mul\u021bi c\u0103l\u0103tori con\u0219tientizeaz\u0103 riscurile asociate vacan\u021belor \u2013 de la zboruri anulate \u0219i bagaje pierdute p\u00e2n\u0103 la probleme medicale nea\u0219teptate \u00een str\u0103in\u0103tate.<\/p>\n

Marius Constantinescu, broker de asigur\u0103ri cu o experien\u021b\u0103 de peste 15 ani \u00een domeniu, a explicat pentru Adev\u0103rul care sunt motivele din spatele acestei tendin\u021be, dar \u0219i principalele gre\u0219eli pe care le fac rom\u00e2nii atunci c\u00e2nd \u00ee\u0219i aleg o poli\u021b\u0103 de c\u0103l\u0103torie. El a subliniat c\u0103, de\u0219i pre\u021bul este un factor important, criteriul decisiv ar trebui s\u0103 fie adecvarea acoperirii la specificul fiec\u0103rei vacan\u021be.<\/p>\n

Brokerul a explicat c\u0103 schimbarea de atitudine este rezultatul direct al experien\u021belor recente, care au ar\u0103tat c\u00e2t de u\u0219or poate fi afectat un sejur de evenimente imprevizibile.<\/p>\n

\u201eCred c\u0103 rom\u00e2nii au \u00eenceput s\u0103 priveasc\u0103 vacan\u021ba cu al\u021bi ochi. Nu mai \u00eenseamn\u0103 doar hotel, avion \u0219i bagaje, ci \u0219i lini\u0219tea c\u0103, dac\u0103 apare o problem\u0103, nu vor trebui s\u0103 suporte singuri toate costurile. \u00cen ultimii ani am v\u0103zut tot mai multe situa\u021bii care i-au f\u0103cut pe oameni s\u0103 fie mai aten\u021bi: zboruri anulate, incendii de vegeta\u021bie, furtuni, bagaje pierdute sau probleme medicale ap\u0103rute chiar \u00een concediu. Toate acestea au schimbat modul \u00een care este privit\u0103 asigurarea de c\u0103l\u0103torie\u201d, a precizat brokerul de asigur\u0103ri.<\/p>\n

Cea mai mare gre\u0219eal\u0103: alegerea poli\u021bei doar dup\u0103 pre\u021b <\/p>\n

Constantinescu a atras aten\u021bia asupra unei practici frecvente, dar riscante, \u0219i anume achizi\u021bionarea unei poli\u021be doar pe baza criteriului pre\u021bului, f\u0103r\u0103 a lua \u00een calcul particularit\u0103\u021bile c\u0103l\u0103toriei:<\/p>\n

publicitate”); background-position: center center; background-repeat: no-repeat;”><\/p>\n

\u201eDin experien\u021ba mea, cea mai mare gre\u0219eal\u0103 este s\u0103 alegi o poli\u021b\u0103 doar dup\u0103 pre\u021b. \u00cei \u00eencurajez \u00eentotdeauna pe oameni s\u0103 discute \u00eenainte cu un broker sau cu un specialist, pentru c\u0103 fiecare vacan\u021b\u0103 este diferit\u0103. De obicei \u00eencep cu c\u00e2teva \u00eentreb\u0103ri foarte simple: Merge\u021bi cu copiii? Ave\u021bi escal\u0103? \u00cenchiria\u021bi o ma\u0219in\u0103? Merge\u021bi \u00eentr-o croazier\u0103? Face\u021bi sport sau alte activit\u0103\u021bi de agrement? Ave\u021bi locuin\u021ba asigurat\u0103? Pare o discu\u021bie banal\u0103, dar r\u0103spunsurile schimb\u0103 de multe ori tipul de asigurare recomandat. Eu spun mereu c\u0103 nu exist\u0103 cea mai bun\u0103 poli\u021b\u0103. Exist\u0103 poli\u021ba potrivit\u0103 pentru vacan\u021ba fiec\u0103ruia. \u0218i mai spun un lucru: oamenii petrec ore \u00eentregi aleg\u00e2nd hotelul \u0219i avionul, iar asigurarea o aleg, de multe ori, \u00een ultimele 30 de secunde. Tocmai acele 30 de secunde pot face diferen\u021ba dac\u0103 vacan\u021ba nu merge conform planului\u201d.<\/p>\n

Infla\u021bia, un factor care stimuleaz\u0103 cump\u0103rarea de asigur\u0103ri <\/p>\n

Brokerul a explicat aparentul paradox al cre\u0219terii cheltuielilor cu asigur\u0103rile \u00eentr-o perioad\u0103 de infla\u021bie ridicat\u0103 \u0219i de sc\u0103dere a puterii de cump\u0103rare:<\/p>\n

\u201eParadoxal, tocmai infla\u021bia \u00eei face pe oameni mai aten\u021bi la protec\u021bia financiar\u0103. Ast\u0103zi \u0219tim c\u00e2t cost\u0103 serviciile medicale, iar \u00een str\u0103in\u0103tate o simpl\u0103 consulta\u021bie sau c\u00e2teva zile de spitalizare pot ajunge foarte u\u0219or la mii sau chiar zeci de mii de euro. \u0218i \u00eentr-o astfel de situa\u021bie, nu decizi tu ce analize s\u0103 faci. Decide medicul. \u00cen momentul \u00een care compari costul unei poli\u021be cu costul unui singur incident, \u00ee\u021bi dai seama c\u0103 nu mai vorbim despre o cheltuial\u0103, ci despre o investi\u021bie \u00een lini\u0219tea ta \u0219i a familiei\u201d.<\/p>\n

publicitate”); background-position: center center; background-repeat: no-repeat;”><\/p>\n

Constantinescu spune de ce asigurarea este important\u0103 chiar \u0219i pentru rom\u00e2nii care au deja Cardul European de S\u0103n\u0103tate:<\/p>\n

\u201eCardul European de S\u0103n\u0103tate este foarte util \u0219i ar trebui solicitat \u00eenainte de plecare. \u00cens\u0103 el ofer\u0103 acces doar la serviciile medicale din sistemul public \u0219i doar \u00een condi\u021biile aplicabile cet\u0103\u021benilor \u021b\u0103rii respective, iar \u00een unele state acoper\u0103 doar urgentele. \u00cen plus, nu toate unit\u0103\u021bile medicale \u00eel accept\u0103. O asigurare de c\u0103l\u0103torie merge mult mai departe. Poate acoperi: repatrierea medical\u0103; bagajele pierdute sau \u00eent\u00e2rziate; anularea sau \u00eentreruperea c\u0103l\u0103toriei; r\u0103spunderea civil\u0103 dac\u0103 produci accidental o pagub\u0103; accesul la clinici private, acolo unde condi\u021biile poli\u021bei permit acest lucru; asisten\u021b\u0103 telefonic\u0103 24 de ore din 24. Cele dou\u0103 produse nu se exclud. Uneori, se completeaz\u0103 foarte bine\u201d.<\/p>\n

Vacan\u021bele s-au scumpit cu p\u00e2n\u0103 la 100% \u00een ultimii cinci ani. C\u00e2t cost\u0103 acum un concediu \u00een Rom\u00e2nia \u0219i \u00een str\u0103in\u0103tate <\/a>Asigur\u0103rile incluse \u00een cardurile de credit nu sunt \u00eentotdeauna valabile <\/p>\n

Tot mai multe b\u0103nci din Rom\u00e2nia \u00eencep s\u0103 elibereze carduri de credit premium cu asigur\u0103ri de c\u0103l\u0103torie incluse. Referitor la acest fenomen, brokerul a avertizat c\u0103 respectivele asigur\u0103ri sunt adesea condi\u021bionate \u0219i pot s\u0103 nu acopere toate situa\u021biile, mai ales dac\u0103 vacan\u021ba nu a fost pl\u0103tit\u0103 cu cardul respectiv:<\/p>\n

\u201e\u00cencepem s\u0103 vedem \u0219i \u00een Rom\u00e2nia astfel de beneficii oferite de unele b\u0103nci. Totu\u0219i, \u00eei sf\u0103tuiesc pe oameni s\u0103 nu presupun\u0103 automat c\u0103 sunt complet acoperi\u021bi doar pentru c\u0103 de\u021bin un card premium. Am \u00eent\u00e2lnit situa\u021bii \u00een care clientul avea o astfel de asigurare, dar aceasta nu era valabil\u0103 deoarece vacan\u021ba nu fusese pl\u0103tit\u0103 cu acel card sau nu erau \u00eendeplinite toate condi\u021biile prev\u0103zute de banc\u0103. De aceea este bine ca, \u00eenainte de plecare, s\u0103 verifici exact ce acoperire ai. O discu\u021bie de c\u00e2teva minute cu un specialist poate evita surprize foarte nepl\u0103cute\u201d.<\/p>\n

publicitate”); background-position: center center; background-repeat: no-repeat;”><\/p>\n

\u00cen ceea ce prive\u0219te \u00eenc\u0103 prezenta team\u0103 a clien\u021bilor c\u0103 nu vor fi desp\u0103gubi\u021bi, indiferent de tipul de asigurare pe care \u00eel de\u021bin, Constantinescu a recunoscut c\u0103 aceasta persist\u0103:<\/p>\n

\u201eDa, aceast\u0103 team\u0103 \u00eenc\u0103 exist\u0103. Din experien\u021ba mea, \u00eens\u0103, ea apare mai ales din lipsa de informare. Le spun tuturor acela\u0219i lucru: dac\u0103 apare o problem\u0103 \u00een vacan\u021b\u0103, primul telefon nu trebuie s\u0103 fie c\u0103tre familie sau c\u0103tre prieteni, ci c\u0103tre compania de asisten\u021b\u0103 trecut\u0103 \u00een poli\u021b\u0103. De acolo \u00eencepe rezolvarea situa\u021biei. Operatorii \u00ee\u021bi spun unde mergi, ce documente trebuie p\u0103strate \u0219i cum sunt preluate costurile. Asigurarea nu \u00eenseamn\u0103 doar c\u0103 altcineva \u00ee\u021bi pl\u0103te\u0219te nota de plat\u0103. \u00censeamn\u0103 c\u0103 ai un partener care te ghideaz\u0103 atunci c\u00e2nd e\u0219ti \u00eentr-o \u021bar\u0103 str\u0103in\u0103 \u0219i nu \u0219tii ce ai de f\u0103cut\u201d<\/p>\n

\u00cen \u00eencheiere, Marius Constantinescu a \u00eendemnat c\u0103l\u0103torii s\u0103 nu se \u00eentrebe doar care este cea mai ieftin\u0103 poli\u021b\u0103, ci care este asigurarea potrivit\u0103 pentru vacan\u021ba lor:<\/p>\n

\u201e\u00cen peste 15 ani de brokeraj am \u00eenv\u0103\u021bat un lucru simplu: oamenii nu \u00ee\u0219i amintesc c\u00e2t a costat asigurarea. \u00ce\u0219i amintesc dac\u0103, atunci c\u00e2nd au avut nevoie de ajutor, cineva le-a r\u0103spuns la telefon \u0219i le-a rezolvat problema. De aceea \u00eei \u00eencurajez pe to\u021bi cei care pleac\u0103 \u00een vacan\u021b\u0103 s\u0103 nu \u00eentrebe doar \u00abCare este cea mai ieftin\u0103 poli\u021b\u0103?\u00bb, ci \u00abCare este asigurarea potrivit\u0103 pentru vacan\u021ba mea?\u00bb. De foarte multe ori, c\u00e2teva \u00eentreb\u0103ri puse \u00eenainte de plecare fac diferen\u021ba dintre o vacan\u021b\u0103 stricat\u0103 \u0219i una din care te \u00eentorci doar cu amintiri frumoase. Eu cred c\u0103 acesta este, de fapt, rolul unui broker: nu doar s\u0103 emit\u0103 o poli\u021b\u0103, ci s\u0103 te ajute s\u0103 alegi protec\u021bia potrivit\u0103 pentru vacan\u021ba pe care ai planificat-o\u201d\/<\/p>\n

Gre\u0219eala pe care o fac rom\u00e2nii c\u00e2nd pleac\u0103 \u00een vacan\u021b\u0103. Ce bani trebuie s\u0103 ai la tine \u00een Grecia, Turcia sau Albania \u0219i de ce cardul nu te salveaz\u0103 mereu <\/a>Topul \u021b\u0103rilor cu cele mai costisitoare incidente este condus de SUA <\/p>\n

Asigur\u0103torii au pl\u0103tit anul trecut desp\u0103gubiri de peste 81 de milioane de lei pentru acoperirea costurilor generate de evenimentele neprev\u0103zute produse \u00een timpul deplas\u0103rilor, ceea ce reprezint\u0103, \u00een medie, peste 220.000 de lei achita\u021bi \u00een fiecare zi.<\/p>\n

publicitate”); background-position: center center; background-repeat: no-repeat;”><\/p>\n

Cele mai multe dosare de daun\u0103 majore desp\u0103gubite anul trecut au fost \u00eenregistrate pentru c\u0103l\u0103torii efectuate \u00een Statele Unite ale Americii, unde s-au \u00eenregistrat 9 cazuri, urmate de Grecia, Austria, Egipt \u0219i Turcia, cu c\u00e2te 5 cazuri fiecare. \u00cen clasament urmeaz\u0103 Italia, precum \u0219i Canada \u0219i Emiratele Arabe Unite. Aceste situa\u021bii au implicat, \u00een principal, urgen\u021be medicale \u0219i costuri ridicate de tratament sau repatriere, ceea ce eviden\u021biaz\u0103 importan\u021ba unei asigur\u0103ri adecvate pentru fiecare destina\u021bie.<\/p>\n

Interesul pentru aceste produse de asigurare este \u00een continu\u0103 ascensiune. Num\u0103rul poli\u021belor de c\u0103l\u0103torie a crescut cu aproximativ 12% anul trecut fa\u021b\u0103 de 2024, ceea ce indic\u0103 o preocupare tot mai mare a rom\u00e2nilor pentru protec\u021bia financiar\u0103 \u00een timpul vacan\u021belor. \u00cen contextul \u00een care costurile medicale \u00een str\u0103in\u0103tate pot fi extrem de ridicate, iar riscurile asociate c\u0103l\u0103toriilor sunt diverse \u2013 de la anul\u0103ri de zboruri \u0219i pierderea bagajelor p\u00e2n\u0103 la probleme medicale grave \u2013 asigur\u0103rile devin un instrument esen\u021bial pentru planificarea responsabil\u0103 a oric\u0103rei deplas\u0103ri.<\/p>\n

\u00cen func\u021bie de op\u021biunile alese, poli\u021bele de c\u0103l\u0103torie pot oferi protec\u021bie financiar\u0103 pentru o varietate de situa\u021bii: cheltuieli medicale de urgen\u021b\u0103, asisten\u021b\u0103 telefonic\u0103 disponibil\u0103 24 de ore din 24, transport medical \u0219i repatriere, anularea c\u0103l\u0103toriei, pierderea sau \u00eent\u00e2rzierea bagajelor, \u00eent\u00e2rzieri ale zborurilor \u0219i alte evenimente neprev\u0103zute care pot ap\u0103rea \u00eenainte sau \u00een timpul vacan\u021bei.<\/p>\n

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